Why Royal Sundaram Car Insurance?

We provide cashless claims across several garages in the country so that you don’t have to struggle with finding one during an emergency.

Free Flat Tyre Service

Free Road side Assistance

We provide roadside assistance during emergency. Please reach out to customer care for more details.

Free Emergency fuel Delivery!

100% Invoice Price

Royal Sundaram offers 100% invoice price insurance add-on cover.

Extensive Coverage with add-ons for passengers & car

Car Coverages

Coverages

Royal Sundaram offers Car Shield, a comprehensive package policy which covers Loss or Damage to your car; Liability to third parties and provides personal accident cover to the Owner/Driver. Car shield also comes with a host of discounts.

This insurance policy provides compulsory Personal Accident Cover to the owner/driver whilst driving the vehicle including mounting into/ dismounting from or traveling in the insured vehicle as a co-driver for Rs. 2 lakhs.

Car Discount on Premium

Get a Discount on Basic Coverage Premium

You can get a discount on the basic coverage and/or choose from a range of additional covers and add-on covers to enhance your basic cover. Car Shield offers the following discounts on buying online:

If you are a member of Automobile Association of India, you can get up to 5% discount on the Own Damage Premium (or) Max of Rs.200.

Discount of Rs. 100 in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage.

Opt for voluntary deductible of Rs. 15,000 and get 35% discount on Own Damage Premium subject to a maximum of Rs. 2,500.

Car Additional Covers

Additional Cover

In addition to the Basic Coverage, Royal Sundaram's Car Shield offers some important optional coverages at minimum additional premium. These coverages are designed to enhance the level of protection offered in the basic cover. Coverages are outlined below:

Personal Accident Cover for Unnamed Passengers and paid driver for a maximum of Rs. 2 lakhs per person.

Legal Liability to the Employees of the Insured other than paid driver who may be driving or travelling in the car.

Cover for CNG Kit and Bi-Fuel System which are endorsed in the Registration Copy (RC) book of the vehicle.

Car Add Ons

Add Ons

Car Shield comes with 11 unique add-on covers that enhance the protection offered in the standard package policy. Some of our popular add-ons include, No Claim Bonus(NCB) Protector, Depreciation Waiver on plastic or metals parts in case of partial loss or claim, Key Protector covering the cost incurred in repair/replacement of keys, including labour costs, add-on cover for your windshield glass without affecting No Claim Bonus, full invoice price cover for protection against total damage or theft.

Depreciation Waiver Cover

Windshield Glass Cover

Voluntary Deductible Cover

Full Invoice Price Insurance Cover

Loss of Baggage Cover

Spare Car Clause

NCB Protector

Key Replacement Cover

Tyre Cover

Lifetime Road Tax Clause

Aggravation (Damage) Cover Clause

Depreciation Waiver Cover

Get depreciation waiver on plastic and metal parts in case of partial loss/claim. This means when you make a claim, you will get the full claim amount without any deduction for depreciation on the value of parts being replaced.

Windshield Glass Cover

If the windscreen glass (front and/or rear) of your car accidentally breaks and needs to be repaired / replaced, we will repair / replace the same without your No Claim Bonus getting affected. This will not be treated as an Own Damage claim and will not affect your No claim bonus next year.

Voluntary Deductible Cover

In case of any claim, if you voluntarily agree to bear the stipulated amount of claim, we will pay the claim amount only for damages in excess of this limit of Voluntary Deductible. This way you can save money on your Motor Insurance premium, as there will be a discount on your premium ranging from 15% to 35% on the Own Damage Premium

Full Invoice Price Insurance Cover

Insure your car to 100% of the List price. In case of theft or total damage you will get full reimbursement on the invoice amount of the car.

Loss of Baggage Cover

This cover provides reimbursement in the case of loss of baggage or damages to the baggage placed in your car. The benefit of taking this cover is your No Claim Bonus will not get affected if you have made a claim for loss of baggage only without making any Own Damage claim.

Spare Car Clause

Get daily cash benefit to cover your conveyance expense, while your car is being repaired.

Engine (Aggravation) Protector Coverage

Do you drive through waterlogged roads during monsoon? Do you fear driving through water logged roads can choke your car's engine? Do you fear rugged roads can cause accidental damage to the internal parts of your engine, gear box and power steering pump? Then, our Engine Protector cover also known as the Aggravation (Damage) Cover Clause is the perfect add-on if you want to care for your car's most important part 'The Engine'.

NCB Protector

NCB proctector add-on acts like a reward to the owner of the vehicle for no insurance claim(s) in the previous policy tenures. You can avail 20 to 50% discount based on your no claims history.

Key Protector Cover

In the event of keys of your car are lost/stolen/misplaced or damaged we will cover the cost incurred in repair/replacement of keys, including labour costs.

Tyre Cover

Normally, damage to tyres and tubes are covered only if the vehicle has met with an accident resulting in damage to the tyres and/or tubes. Damage to the tyres and tubes without the vehicle meeting with an accident, is not covered under the Private Car Package Policy issued to cover your car.

Lifetime Road Tax Clause

The Life-time Road Tax constitutes a sizeable amount which at present is not insurable. By opting for this cover, the Tax will be included in your policy and in case of theft or total loss of the vehicle, We will pay you the unexpired portion of Road Tax also along with the amount that We will be paying You for the loss of your vehicle.

Car Claims

Claims

Oh no! Has your vehicle been damaged? Worry not, we make it easy for you to make a claim

1.Inform Royal Sundaram immediately and keep the following details on hand:

Policy Details

Contact Details

Loss Details

2.Please refrain from dismantling or repairing the vehicle before survey is completed.

3.Survey will be arranged on receipt of claim intimation and submission of detailed estimate of repairs from the repairer.

4.Documents must be provided to the repairer/surveyor prior to survey.

5.Duly filled and signed claim form. Please note that it is mandatory to update Aadhaar and PAN details. For company owned vehicles, signature of authorized signatory along with company seal is required.

6.Registration Certificate of the vehicle along with photocopy. Original to be verified and returned.

7.Driving License of the driver at the time of accident along with photocopy. Original to be verified and returned.

8.FIR from police station if third party death/ injury or property damage.

9.If the claim amount exceeds Rs. 1,00,000, we require a copy of your PAN Card along with a recent passport photo.

10.Other documents may be requested based on the requirements of the claim.

11.If all documents are found to be in order, we will arrange for cashless facility. You may collect the vehicle after completing a satisfaction voucher and paying any amount as required.

12.For Non cashless claims (reimbursement claims), original cash bill or Invoice with cash receipt is required for settlement of claim.

13.Vehicle may have to be produced for re-inspection, if requested by surveyor.

Car Faq

FAQs

Driving on roads may be a pleasant experience, however, one has to consider the safety factor equally well. Even a skilled driver cannot avoid the risk factor while driving. A little bump or minor accident in such cases can result in huge loss. Thus, the only best way to remain prepared against such circumstances is to buy a car insurance. It’s the smartest way to financially secure you and your car.

So, when you buy a vehicle, be it a bike or car, you must get it insured before you start driving it on the road. Remember, a car insurance policy is not a choice, it’s a necessity and mandatory by the Motor Vehicles Act in India.

A few key benefits

Protection for loss or damage caused to your car

Indemnity for third-party property damage up to a certain limit of Rs. 7.5 Lakhs

It provides personal accident cover to you, your paid driver as well as the occupants in the car.

It offers unlimited liability cover for third party injury claims/third party death.

It covers your family members (including you) with personal accident policy

Injury or death of another individual due to an accident caused by you

What’s not covered under a car insurance policy?

Here’s a list of things not covered under a car insurance policy:

This excludes mechanical/electrical breakdown

Damage caused by an individual under the influence of drugs or alcohol

Damage caused by a person who is driving the car without a valid license

Normal wear and tear, depreciation or any other consequential loss

Loss or damage due to nuclear risk or war

Wear and tear of consumables such as tyres and tubes

So, it can be fairly said that an insurance policy is a must for every car owner. Besides, there are multiple policies available in the market these days. Royal Sundaram’s comprehensive car insurance package lends safety to you as well as your car.

Third Party Policy - This is a Liability Only Policy and covers all third party liabilities such as -

Bodily injury or death of third party

Property Damage of third party

Personal Accident cover for Owner-Driver is also included in Third Party Insurance.

2. Package Policy - This covers Loss or Damage to the vehicle insured (Own Damage) in addition to the Third party cover. It is also known as comprehensive cover. You can cover your car against damage due to -

Road accidents

Theft

Fire accidents

Natural disasters such as flood inundation, lightning, cyclone, etc

Riot or strike

Covering your car with at least Third Party Insurance is mandatory, as per the Motor Vehicles Act.

Break-in-insurance is when the Policy lapses due to non-renewal of the Policy on time. As per the law, an owner should cover his/her car with at least third party insurance at all times. If you have a break in your car insurance, you can-

Approach another insurance company to renew policy-if it has been less than 90 days since the Policy lapsed. In this case, you may be able to retain your No Claim Bonus.

Obtain a new Insurance Policy-if it has been more than 90 days since the Policy lapsed.

In every car, the metal, rubber, nylon and plastic parts are subject to deduction for depreciation. During a Claim, if there is any damage to these parts, it will not be fully covered. The coverage will be as per the percent of depreciation.

Accidents can occur at any time, any place, even if it is not your fault. But with Insurance you can recover from it financially. With comprehensive car insurance, the Insurer will protect you against any loss or damage to the Private Car and its accessories during following unforeseen events:

An endorsement is a document that incorporates amendments and additions in the existing terms of the policy. It is a written evidence of an agreed change to policy. If the policyholder needs to purchase more coverage, add riders or change the scope of the existing insurance policy, they can approach the insurance company to make the required changes by way of an endorsement.

An endorsement can be issued at the time of purchase, mid-term or during renewal period. It can be used to provide additional benefits and cover (e.g., legal liability to driver) or to impose restrictions (e.g., accidental damage deductible). Subsequently, any amendments regarding policyholders’ documents such as change of name, change of address, change of vehicle, etc. can also be implemented by way of an endorsement. The wordings of those endorsements are provided in the tariff.

Yes, the policy can be cancelled by the customer within 7 days notice to the Insurer and the company will cancel the policy on Short period basis and refund of premium if any, will be made. The refund will be subject to no claim under the policy and retention of minimum premium of Rs.100/-. But cancellation would be made only after ensuring that the vehicle is insured elsewhere at least for Liability Only policy.

No paperwork is required to buy your insurance policy online except for break in cases where VIR will be required and the policy would only be issued subject to a satisfactory inspection and submission of the required documents.

No paperwork is required to buy your insurance policy online except for break in cases where VIR will be required and the policy would only be issued subject to a satisfactory inspection and submission of the required documents.

For valid membership of recognized Automobile Associations a discount @ 5% of the Own Damage premium, subject to a maximum of Rs.200/- for a Private Car and maximum of Rs.50/- for a Motorized Two Wheeler may be allowed.

IDV stands for Insured Declared Value. It’s the current market value of your car that can be calculated by depreciating the current manufacturer’s listed selling price of the vehicle with depreciation percentage as per the Indian Motor Tariff. Manufacturer’s listed selling prices consists of local duties/taxes, which excludes insurance and registration. For those vehicles that are outdated or exceeding 5 years of age, IDV value will be the value accepted by both- the insurance company and insured. Besides, the value of obsolete vehicles and those exceeding 5 years of age is evaluated by our assessment team with the help of several resources such as second hand car dealers, IMAs, panel of Surveyors, etc.

The depreciation value of your vehicle is based on the following schedule –

Electrical/electronic items which are not supplied by the vehicle manufacturer along with the vehicle are called electrical/electronic accessories. E.g., Music system, LCD mini TV, Fog lights, etc do not come along with the vehicle. Non-electrical fittings include CNG-kit, interior fittings, alloy wheels, etc.

During a Claim, if you wish to bear part of the Claim amount, you can do so under Voluntary Deductible. By bearing a part of the Claim amount, you can earn discount of 15 % to 35% in the Premium of Own Damage or Policy.

The company undertakes to pay compensation for bodily injury / death sustained by the owner-driver of the vehicle upto Rs. 2 lakh, in direct connection with the vehicle insured. For nature of injury and scale of compensation, please refer to the policy wordings.

Electrical and Non Electrical accessories values are taken as per invoice copy submitted for such accessories and for each subsequent renewal value is depreciated as per depreciation chart applicable for insured vehicle.

The base Private Car policy covers many risks. There are a few other risks which are not covered and these risks are sought to be covered by way of add-on covers. The idea behind the add-on covers is to offer customized and value added services to specific segments of the society keeping in mind their requirements and need for complete protection against uncovered risks.

Car insurance is not a choice, it’s a necessity. In fact, it’s the safest way to protect yourself and your car from financial emergencies. Choosing the best car insurance as per your needs is not rocket science. However, you need to have a good knowledge of your insurance requirements. And as a customer, it is important for you to be informed about your car insurance policy and understand all the benefits that come under it.

In this blog post, we will make you understand the types of car insurance coverage in India as this will help you select the best coverage for your car –

Loss or damage to your car – This covers loss or damage caused to the vehicle due to these following natural and man-made calamities –

Riot and strike

Fire and explosion

Malicious acts

Terrorism

Earthquake

Landslide

Theft/housebreaking or burglary

Storm and flood

Accidental and external damage

Exclusions

Depreciation or any consequential loss

Damage caused by an individual driving a car without valid license

Damage caused by an individual driving the vehicle due to the intake of drugs or alcohols

Mechanical or electrical breakdown

Normal wear and tear

Third-party liability cover – Third-party cover is compulsory for the vehicle under the Motor Vehicles Act, 1988. The insured person is first party, insurance company is second party, and the individual the policyholder has injured is the third party. This policy does not provide any benefit to the policyholder. Although, it covers policyholder’s legal liability for the loss or damage caused to the third-party property or death/disability of third party.

Inclusions:

It offers legal protection for injury or death claims from third party

It includes legal costs and expenses

It provides legal protection for damage caused to third party property

Exclusions:

Damage caused to your personal property

Costs and expenses without any prior consent

Personal accident cover – This covers the policyholder against accidental death or disability caused due to an accident. The insurance company pays a compensation of up to 15 Lakh for bodily injuries or death sustained by the driver or owner of the vehicle.

Several insurance companies offer car insurance plans in India for car owners. The above-mentioned coverage is provided by Royal Sundaram; it offers you a comprehensive coverage covering all the possible unfortunate events.

In the case of a severe accident or damage to your vehicle, arrange for medical attention to anyone injured at the spot. Take down details of other vehicles involved in the accident.

If it is not be possible for you to move your car, ensure your vehicle is protected from further damage at the spot. Don’t start the engine and avoid driving your vehicle if the vehicle is not in drivable condition.

In the case of death, injury, theft, burglary, third-party property damage, house break or damage due to malicious acts like strike, riot, and terrorist activity, inform the nearby police station immediately.

Call the insurance company as soon as possible to intimate a claim. We will guide you about the claims process and the requirements to process a claim.

Please do not dismantle or start repairs before the vehicle is inspected by Royal Sundaram.

We require the following documents to process your accident claim

Duly completed claim form signed by the insured

Driving License of the driver at the time of accident – Photocopy along with original for verification and return. For some cases, self attested photocopy is also accepted.

Registration Certificate of the vehicle – Photocopy along with original for verification and return. For some cases, self attested photocopy is also accepted.

Other documents may be requested depending on the requirements of the claim

For a theft claim, inform the insurance company immediately, even if the police have not been informed yet and we will explain the entire process to you. However, it is important to file a First Information Report with the police as soon as possible.

Being in a car accident is painful, regardless of the extent of damage. Seeing a scratch or dent on your beloved car will break your heart. Well, car insurance is here to help.

If you have an accident, you must ensure to inform the insurance company immediately. Your insurer will explain the claim process in detail and the requirements. They will also help in identifying a garage where your vehicle will be repaired on priority and added value services may be availed.

Here’s a brief step by step procedure on making an own damage claim under your motor insurance policy:

Inform the insurance company immediately upon occurrence of an accident or loss.

You will need to keep your policy handy

Describe how the incident happened, when and who was driving

Contact information may be sought from you

If there is third party involvement (death, injury or property damage), inform the police and obtain an FIR.

You need to submit some documents:

Duly filled claim form signed by the insured

Copy of Registration Certificate

Copy of Driving License (of driver at the time of accident)

Other documents may be requested based on the claim

Your vehicle will be inspected by the insurance company. Make sure you do not disassemble the vehicle or start repairs before inspection.

Once the repairs are complete, you will need to either pay your share of the claim (for cashless claims) or pay the full amount and submit the bills for reimbursement (for non-cashless claims).

Before making a claim however, make a quick calculation on the potential No Claim Bonus you may lose on renewal. Sometimes, it may be more economical to not claim for very minor damages and protect your No Claim Bonus for your car insurance.

Tips

Car insurance is not a choice, it’s a necessity. Having a car insurance is important because it covers all your expenses that you may incur due to theft, vehicle damage or injuries to passengers, drivers or pedestrians.

First time in almost all cases can be daunting yet exciting. When you finally reach the legal driving age, we understand how you cannot contain your enthusiasm to learn driving. Only after passing your driver’s test can you legally drive on your own.

Your vehicle is one of the most valuable possessions of your life. Thus, it deserves the best care and protection. Motor insurance is designed to protect you, as a vehicle owner, from third party liability as well as damage to your vehicle.

Happy Customers Portlet

Our Happy Customers

Mr. Sanjay Halmare

I have found any claim on Royal Sundaram Car Policy very promptly attended and judiciously settled to the fullest satisfaction.I am very Happy with company Policies and Valuer also, who is having human approch towards settling claims.

Posted on
: Wed Oct 17 00:00:00 IST 2018

Mr. Harendra singh

Have got refund for the policy. A lots of thanks for your kind co-operation, quick and hassel free response to redress my grievance. You have a great spirit for customer satisfaction.

Posted on
: Thu Jul 05 00:00:00 IST 2018

We value your feedback. Share your experience with us.

Mr. Sanjay Halmare

I have found any claim on Royal Sundaram Car Policy very promptly attended and judiciously settled to the fullest satisfaction.I am very Happy with company Policies and Valuer also, who is having human approch towards settling claims.

Posted on
: Wed Oct 17 00:00:00 IST 2018

Mr. Harendra singh

Have got refund for the policy. A lots of thanks for your kind co-operation, quick and hassel free response to redress my grievance. You have a great spirit for customer satisfaction.

Posted on
: Thu Jul 05 00:00:00 IST 2018

Mr. Thejeshwar K

Impressed customer service and one day response from Royal Sundaram team. Keep it up.

Posted on
: Thu Jul 05 00:00:00 IST 2018

Mr. Somarajan Mani

Happy with the road-side assistance service from Royal Sundaram. Prompt & effective response from the team. Thank you so much.

Posted on
: Thu Jul 05 00:00:00 IST 2018

We value your feedback. Share your experience with us.

Car Terms and Condition New

Policy Terms and Conditions

We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.

Royal Sundaram customers are requested to remit the premium by way of cheque, demand draft(drawn in favour of Royal Sundaram General Insurance Co.Limited) or any other approved banking mode. Customers are requested to avoid payment of premium by cash as far as possible. For any clarifications Please call us on 1860 425 0000

For more product details or risk factors, terms and conditions please read the sales brochure carefully, before concluding a sale.